The invention discloses an intelligent auxiliary credit granting method for
consumer finance, and relates to the technical field of monitoring analysis, and the method comprises the steps: constructing a customer initial
feature set, carrying out the null value
feature vector mapping analysis and intelligent completion of the customer initial
feature set, generating a customer complete
feature matrix, and carrying out the cross-scene
model parameter migration of a risk prediction initial model. A risk prediction optimization model is obtained; performing real-time risk scanning on the customer complete
feature matrix based on a risk prediction optimization model, generating a risk feature fluctuation map, extracting a key risk
influence factor, performing risk conduction path
simulation according to the key risk
influence factor, and generating a dynamic risk early warning
signal; performing credit extension
decision tree reconstruction according to the dynamic risk early warning
signal, generating an adaptive credit extension
decision model, generating a gradient credit extension limit interval, performing decision weight fusion on the gradient credit extension limit interval and the dynamic risk early warning
signal, and outputting an intelligent credit extension decision report. The method has the effect of improving the auxiliary credit extension efficiency.